Why Hearth Financing
- PRE-QUALIFICATION DOESN’T AFFECT YOUR CREDIT
- LOW, FIXED MONTHLY PAYMENTS
- REQUEST UP TO $100,000
- FUNDING IN AS SOON AS 24 HOURS
- NO PREPAYMENT PENALTIES
- AVOID USING HOME EQUITY
Get your project started as soon as possible by getting pre-qualified today.
FREQUENTLY ASKED QUESTIONS
We know how chaotic and hectic it can be to try and find a home improvement loan. We’ve teamed up with Hearth, the leading leader in home improvement financing, to find you competitive loan options that save you money and get your project done right.
Will filling out the prequalification form affect my credit score?
No, when you complete the prequalification form, lenders perform a “soft” credit inquiry. This allows you to compare lender offerings without affecting your credit score.
Can I payback my loan early without penalties?
Yes, all 13 of our lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.
What is the difference between secured and unsecured loans?
An unsecured loan is not linked to a specific piece of property (“collateral”) that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.
How is APR determined for prequalified offers?
Lenders look at many factors, including as your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.
How soon will I get my money after my loan is approved?
You can usually expect to receive your money in as little as 1-5 business days.